Auto Insurance Quotes

Get free
auto insurance quotes

Your information will only be used to match your profile with insurance offers.
Privacy Policy.

einsurance.com
105 W. Adams Street, #1325
Chicago, IL 60603

Auto Insurance Coverage for Personal Cars and Trucks

Owning a vehicle, no matter how often you drive it, likely means you need car insurance. Most people, experts or not, would agree that driving without auto insurance is simply an irresponsible act. In fact, many states consider it unlawful for motorists to operate vehicles without mandatory minimum insurance, so uninsured drivers risk facing considerable fines if caught driving without required coverage. Car finance and leasing companies may include auto insurance provisions in the repayment agreement requiring the registered owner maintain minimum coverage on the vehicle equal to at least the current payoff amount on the loan.

An auto insurance policy provides protection in some combination of collision, liability, theft, and related coverage(s) to protect you, others, and your car:

Auto Coverage Options

Bodily Injury LiabilityBodily injury coverage protects those injured in an accident caused by you. Most states mandate you have this coverage on your personal vehicle.

Collision CoverageCollision coverage protects your vehicle in case it is damaged in an accident. This coverage may be mandated by your lender.

Important Considerations for Insured Drivers of Cars and Trucks

You should evaluate your car insurance needs when you move. A new state means new regulations and coverage limits, but even moving to a different zip code down the street can mean changes to your premiums.

Marriage means that you and your partner may potentially save on insurance by bundling. If one partner has a less-than-stellar driving record, then it may benefit the parties to have separate policies.

Teen Driver Insurance is more affordable than you think. Keep your young driver on your policy, get her a personal policy, or check out more options.

Auto insurance policies do not cover vehicle damage that occurs prior to start date of the policy. If you buy a used vehicle, it is your responsibility to be aware of any previous damages from accidents or other types of disaster. CarFax is a trusted service that reports on a vehicle’s damage history and maintenance records.

If you do not own a vehicle, but often rent cars, you may find that a personal policy will provide a savings over the auto insurance rates charged by car rental companies. ZipCar is excluded from this however, because auto insurance coverage has already been included into their membership program for rental car drivers.

Personal auto insurance or car insurance typically does not cover liability or damages when using the vehicle for business or commercial purposes. There are a few instances, such as using a car or truck for pizza delivery, which some auto insurance companies do cover within the parameters of the insurance policy. Verify the terms and conditions in your policy documents. When in doubt, ask the auto insurance agency (insurance carrier) that issued the policy for your car. Our advice: “Get it in writing first!”